Lanzhou: The minimum down payment ratio of the second suite is 30%, and the loan is settled according to the first suite loan policy.

1. Lanzhou: the down payment ratio of the second suite is at least 30%, and the loan is settled according to the first suite loan policy.

On April 5, some media learned that Lanzhou City, Gansu Province recently issued "Several Measures for Lanzhou City to Implement the Strategy of Strengthening the Province to Further Optimize the Business Environment (1No.)" (hereinafter referred to as "Measures"), which clearly proposed lowering the threshold for individuals to purchase houses, increasing the amount of provident fund loans, relaxing regional purchase restrictions, and relaxing sales restrictions.

Specifically, in terms of stimulating vitality and promoting the healthy development of the market, the Measures propose to lower the threshold for individuals to purchase housing. Individuals purchase the first house through commercial banks and provident fund loans, and the minimum down payment ratio is not less than 20%, and the minimum down payment ratio for the second house is not less than 30%.

At the same time, it is necessary to reduce the personal housing consumption burden. Increase the issuance of personal housing mortgage loans and guide financial institutions to implement preferential loan interest rates in accordance with regulatory requirements. For families who own a house and have settled their house purchase loans, financial institutions will implement the first home loan policy if they apply for loans to buy houses again in order to improve their living conditions.

According to Lanzhou's previous housing purchase policy, the Lanzhou Municipal Government issued the Supplementary Notice of Lanzhou Municipal People's Government on Further Strengthening the Regulation of the Real Estate Market on August 25th, 20th 1 7th, in which it was mentioned that the down payment ratio for households applying for commercial personal housing loans to purchase the first home should be not less than 30%, and that for the second home, it should be 50% (for households that already own1home and have no housing loan record or the corresponding housing loan has been settled).

As for the provident fund loan policy, according to the Notice on Strengthening the Regulation and Supervision of the Real Estate Market jointly issued by Lanzhou Real Estate Bureau on 2065438+200810.5, the housing provident fund mainly meets the demand for first-time home purchase, and the down payment ratio of the first-time housing provident fund loan must reach more than 30%, and the down payment ratio of the second-time housing must reach more than 50%. It is forbidden to issue housing provident fund to the families of paid workers who purchase the third and above houses.

The "Measures" also clarify that it is necessary to increase support for housing provident fund. Individuals purchase housing through provident fund loans, and the maximum amount of provident fund loans is 600,000 yuan for single employees and 700,000 yuan for dual employees.

In terms of supporting the housing needs of the elderly, the Measures propose that adults who work and live in Lanzhou need to bring their parents and other close relatives from different places to live in Lanzhou, give support and allow their families to buy a new house in the restricted purchase area. Families with two or three children who meet the national birth policy are allowed to buy a new house in the restricted purchase area.

Optimize the examination and approval to speed up the development and construction of the project. The "Measures" propose that "one certificate delivery" should be implemented. Strengthen departmental cooperation, deepen information sharing and integration, and comprehensively implement the "certificate upon delivery" of new commercial housing on the basis of "multi-measurement integration" and "joint acceptance". Commercial housing that has obtained the certificate of immovable property rights can be listed and traded after three years of online signing.

In terms of reducing the burden and supporting the virtuous circle of enterprises, the Measures show that it is necessary to reasonably determine the proportion of bid bond payment for the transfer of state-owned construction land use rights. From April 1 2022, the right to use state-owned construction land will be transferred by means of bidding, auction or listing, and the bid bond will be executed according to the prescribed minimum ratio (20% of the initial listing price), and the rest will be paid within one year after the signing of the Contract for Transferring the Right to Use State-owned Construction Land.

In addition, increase project loan support. Encourage financial institutions to carry out M&A loans in a steady and orderly manner, and focus on supporting high-quality housing enterprises to merge and acquire difficult housing enterprises. Financial institutions that support the development of loans and reduce the interest rate of personal mortgages will be given priority support in adding government financial deposits and fund accounts.

In terms of improving efficiency and strengthening project service guarantee, the Measures propose to improve the efficiency of the use of pre-sale funds. Further optimize the use process of pre-sale funds, reduce the time limit for approval of pre-sale funds, actively promote online application, review and payment of pre-sale funds, and implement "no meeting" approval to improve the allocation and use efficiency of pre-sale funds.

According to incomplete statistics, since March, Fuzhou, Zhengzhou, Harbin, Qingdao Jimo, Quzhou, Qinhuangdao, Mianyang and other places have liberalized restrictions on purchases and sales. According to the data of the first quarter, according to the incomplete statistics of the Central Plains Index Research Institute, more than 60 cities issued real estate-related policies more than 100 times in the first quarter, mainly involving relaxing the purchase restriction policy, reducing the down payment ratio, granting housing subsidies, reducing mortgage interest rates, canceling sales restrictions, and providing financial support for housing enterprises.

Guan Rongxue, an analyst at Zhuge Housing Search Data Research Center, believes that the moderate relaxation of the property market policy will have a certain positive impact on multi-dimensional subjects, especially for buyers, which will effectively alleviate the pressure of housing purchase funds and threshold restrictions for some difficult groups; For cities, the further release of housing demand will drive the increase of transactions to a certain extent, and at the same time ease the pressure on urban inventory and promote urban economic development; In addition, the policy of moderately relaxing the property market in several cities is also to effectively implement the corresponding main responsibilities, meet reasonable housing demand, and promote the internal circulation and healthy development of the industry.

Second, the policy of buying two suites.

According to the new deal, it belongs to the second suite. Seven situations in which the bank approves the second suite:

Parents have a house first, and then buy a house in the name of a minor child.

According to the new policy, family members include borrowers, spouses and minor children, that is, minor children are also classified as families. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second suite policy.

Second, minors have real estate under their names, and then they can borrow money to buy a house when they are adults.

According to the current bank's "loan recognition and housing recognition", if the existing property is not sold, the re-loan purchase belongs to the second suite and will be implemented in accordance with the policy of the second suite. According to the past policy, as long as there is no loan for minors' real estate, applying for a mortgage is not a second set.

Three, the individual has bought the house in full, and then borrowed to buy a house.

Explain in detail that in the past, we only "recognized loans". This situation is not the second suite, and now it has added "recognition of the house". Although there is no loan, as long as you can find a property in your name in the housing property rights trading system, you will be recognized as a second suite if you don't sell it or lend it.

Four, the individual has a loan to buy a house, and then the loan to buy a house after the sale is settled.

At present, the bank's identification of the second suite is "recognizing the house and recognizing the loan". That is to say, although the property bought by the loan is sold, there is no house under the family name, but because of the previous loan record, applying for a mortgage will also be counted as the second suite.

Five, the first purchase of commercial loans, the use of provident fund loans for the second purchase.

The current provident fund loan policy is also strict. As long as the borrower has a mortgage record, no matter whether the mortgage is settled or not, even if the provident fund loan has never been used, the first application for provident fund loan is considered as a second suite.

6. One party borrows money to buy a house before marriage and applies for a loan to buy a house in the name of the other party after marriage, but their accounts are not together.

After the marriage, the husband and wife registered their marriage in the Civil Affairs Bureau, although the household registration did not fall together. Now, when issuing loans, banks will require borrowers to provide proof of marital status in addition to household registration books, while married couples can't provide proof of singles, so when buying a house again, they will count the other party as a second suite.

Seven, after marriage, both parties * * * loan to buy a house, and after divorce, one party applies for a loan to buy a house.

As long as the mortgage records can be found in the central bank's credit information system, even if the property is awarded to one party after the divorce, the other party will be recognized as a second suite. This has made many attempts to evade the new deal of the second suite through "fake divorce" go down the drain.

Three. Lanzhou provident fund loan new policy 202 1?

202 1 year Lanzhou second-hand housing provident fund loan, Lanzhou provident fund loan amount 202 1, Lanzhou provident fund loan conditions 202 1, Lanzhou housing provident fund loan interest rate, Lanzhou employee provident fund loan latest policy 202 1.

In order to standardize the relevant standards of the provident fund policy, the household registration attribute is adjusted to a unified standard, which is also convenient for management. The main core identification standards are still based on the number of housing units;

Of course, the record of provident fund loans, the number of provident fund loans, the settlement of provident fund loans and the amount of provident fund loans are all included simultaneously. Take all provident fund use records as the core criteria for determination and approval to confirm the normative determination of provident fund-related loan policies.

Secondly, based on the housing loan records, including but not limited to commercial housing loans, credit consumption record loans and other loans under the name, confirm the loan scale and proportion within the scope of basic recognition? And the time limit of the loan cycle as an important reference.

First of all, you need to provide proof of no room, in the absence of real estate; With my ID card, household registration book and marriage certificate, I will issue a certificate of no room at the real estate trading center. If there is no real estate in the name, the relevant loan ratio is calculated according to the standard of the first suite, with a down payment of 20% and a loan amount of 80%. Under normal circumstances, the loan interest rate will be implemented according to the standard benchmark interest rate.

Secondly, there is a room under the name of Lanzhou to determine the number of houses. If there is already a room in the name, it is calculated as the second suite. The down payment ratio is 50%, the loan amount is 50%, and the loan interest rate is based on the benchmark interest rate, ranging from 10% to 15.

If the provident fund loan is not used and there is no housing in Lanzhou under the household registration name, the accounting standard is the first set of housing; However, the commercial bank mortgage loan has been used, and the loan balance has been fully settled, and it is still implemented according to the first home loan standard. Commercial bank loans are not settled, according to the relevant standards and policies of the second suite.

If there is a house under the family name, or there is a record of provident fund loans, the accounting standard is the second suite; The interest rate of the second-home provident fund loan is raised by about10% on the basis of the original standard interest rate;

4. The down payment ratio for the first suite in Dongguan is 30%, and the minimum down payment for provident fund loans is 30%.

SouFun learned from many banks in Dongguan that the down payment ratio of the first suite in Dongguan has not been adjusted yet, and it still maintains the minimum standard of more than 30%, and the implementation standard of the second home loan has not been adjusted yet. Since 20 13, the down payment ratio of Dongguan provident fund loans has also been raised to 30%.

1, the down payment for the first suite in Dongguan is still 30%.

SouFun learned from many banks in Dongguan, such as Bank of China, China Construction Bank, Industrial and Commercial Bank of China and Dongguan Bank, that the first home loan standard of Dongguan banks is still 30% down payment, and the loan interest rate is not lower than the benchmark interest rate. Although banks in Dongguan said that the down payment ratio has not been adjusted yet, the situation of tight lending has not changed.

2. The down payment ratio of Dongguan provident fund loans will be raised to 30%.

On February 8, 20 13, Dongguan Housing Provident Fund Management Center issued the Notice on Adjusting Some Policies of Housing Provident Fund Loans in Our City, which pointed out that employees can apply for housing provident fund loans only after they have paid the housing provident fund for 12 months, and the loan amount should not exceed the maximum amount, and it should be 8 times higher than the balance of the applicant's housing provident fund account. At the same time, it also announced that it would adjust the down payment of the first suite by 30%, purchase "double houses" and "multiple houses" and apply for housing provident fund loans.

The following is an excerpt from the text of the notice:

Notice on adjusting some policies of housing provident fund loans in our city

All employees who have paid the housing provident fund:

According to the spirit of the Central Economic Work Conference in February 20 12, combined with the current reality, in order to give full play to the mutual assistance role of housing provident fund, better help needy families to buy their own houses, further promote reasonable housing consumption, and effectively reduce the loan risk, with the consent of Dongguan Housing Provident Fund Management Committee, some policies of housing provident fund loans in our city are now adjusted as follows:

1. Employees must continuously deposit housing provident fund 12 months before they can apply for housing provident fund loans.

Two, the housing provident fund loan amount does not exceed the original maximum amount at the same time, must meet the following requirements:

(a) no more than 8 times the balance of the applicant's housing provident fund account.

(two) the purchase of the first set of housing, not higher than 70% of the total housing price.

(3) When purchasing a second-hand house, the applicant shall entrust a real estate appraisal institution recognized by the Municipal Housing Provident Fund Management Center to conduct a value appraisal, and the lower value of the contract price and the appraisal price shall be taken as the total house price for calculating the loanable amount.

Three, the total monthly loans of employees shall not be higher than 55% of their family income, and the monthly income of employees applying for housing provident fund loans is calculated as follows:

Monthly family income = monthly income of the applicant and monthly income of the spouse.

The applicant's monthly income = the amount of the applicant's housing provident fund deposit in the month of application (including the amount of individual and unit deposits, the same below) ÷ (the proportion of unit deposits and individual deposits)

Monthly income of spouse = amount of housing provident fund paid by spouse in the month of application ÷ (proportion of unit contribution and proportion of individual contribution)

Four, the purchase of "double housing" to apply for housing provident fund loans, according to the purchase of second and above housing identified; Buy "multi-room", no loan.

Has applied for housing provident fund loans to buy a house, and once again buy the property adjacent to this house, the municipal housing provident fund management center can recover the loan in advance.

Five, housing provident fund loans to employees' credit records as one of the important basis for approval. In any of the following circumstances, the applicant and his spouse shall restrict the loan or refuse the loan:

(a) individual housing loans (including housing provident fund loans or commercial loans) accumulated overdue 10 times, not settled or settled for less than two years, no loans will be issued.

(two) when employees apply for housing provident fund loans, they conceal or lie about their marital status, immediate family members, purchase behavior, housing quantity, etc. , and will not lend within 5 years from the date of being recognized.

(three) fictitious extraction conditions, or the use of forged information to extract housing provident fund, the loan shall not be allowed within 5 years from the date of occurrence.

(four) the purchase of "double housing" and "multiple housing" to apply for housing provident fund loans must be truthfully stated, and the loans will not be withheld.

Six, the use of housing provident fund loans to buy second-hand housing, the loan period is not more than 20 years.

Seven, housing provident fund loans, the borrower stopped paying housing provident fund for 12 months, the city housing provident fund management center can recover the loan in advance.

(The above answers were published on 20 13-06-26. Please refer to the actual situation for the current purchase policy. )

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